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so Madam Secretary does ensuring every deposited every FDIC insured Bank in the nation over 250 000 require Congressional approval this is not something that we have looked at something that were considering um all the all that I have said is that um when the failure of a bank is judged by super majorities of the FDIC board the FED board and myself in consultation with the president when such a failure is deemed to create systemic risk which I think of as the risk of a contagious Bank Run that we are likely to in to invoke this systemic risk exception which permits the FDIC to protect all depositors and that that would be a case-by-case determination I understand its not considered or discussed anything having to do with blanket um insurance or guarantees